HDFC is India’s top credit card issuer by a wide margin, boasting the broadest premium portfolio and deep city-wise reach, leading in both spend and cardholder numbers thanks to aggressive digital onboarding and popular reward structures.
Popular Cards
Best For
HDFC Infinia
Super Premium / Travel
HDFC Diners Club Black
Dining & Travel
HDFC Regalia
Lifestyle & Lounge
HDFC Millennia
Online Shopping
Tata Neu Infinity HDFC
Tata Ecosystem
🥈 2. SBI Card (State Bank of India)
Only Public Sector Bank in Top 3
SBI is the only public sector giant holding strong market share, and is making inroads with entry-level cards in traditionally under-banked and rural areas.
Popular Cards
Best For
SBI Cashback Card
Online Cashback (5%)
SBI Elite
Premium Lifestyle
IRCTC SBI Card
Train Travellers
Air India SBI Signature
Frequent Flyers
BPCL SBI Card
Fuel Savings
🥉 3. ICICI Bank
ICICI Bank has been quick in digital issuance and was a first mover in UPI-linked, fintech-partnered credit cards, expanding fast due to fintech tie-ups and focus on digital onboarding.
Popular Cards
Best For
Amazon Pay ICICI Card
Amazon Shopping (LTF)
ICICI Emeralde Private Metal
Ultra Premium HNI
ICICI Coral
Entry Level
HPCL Super Saver ICICI
Fuel
ICICI Sapphiro
Travel & Lounge
4. 🏦 Axis Bank
Axis Bank is among the fastest-growing in the midsized private bank category, strong in digital onboarding and known for fintech partnerships and co-branded launches.
Popular Cards
Best For
Axis Atlas
Travel & Miles
Axis Reserve
Ultra Premium
Flipkart Axis Bank Card
Flipkart & Myntra
Airtel Axis Bank Card
Utility Bills
Axis My Zone
Millennials
5. 🏦 Kotak Mahindra Bank
Kotak is renowned for innovative, lifestyle-focused cards, popular among Gen Z and urban users, and is expanding via digital-first strategies with easy approval norms.
Popular Cards
Best For
Kotak Platinum Maxima
Lifestyle Rewards
Kotak Popcorn Card
Entertainment
Kotak Cookies Card
Gen Z / Youth
Indigo Kotak XL
Frequent Flyers
6. 🏦 IndusInd Bank
Popular Cards
Best For
IndusInd PIONEER
Premium Lifestyle
IndusInd Celesta
Super Premium Metal
IndusInd EazyDiner
Dining
IndusInd Jio-bp Mobility+
Fuel (New 2025)
7. 🏦 YES Bank
YES Bank has launched flagship RuPay credit card offerings on UPI, making it a strong player in the digital payments transformation.
Popular Cards
Best For
YES Bank FinBooster
LTF + Rewards
YES Marquee
Premium Travel
YES Premia
Lifestyle
8. 🏦 RBL Bank
Popular Cards
Best For
RBL SaveMax
Lifetime Free, Grocery
RBL Shoprite
Shopping
IndianOil RBL XTRA
Fuel (8.5% savings)
9. 🏦 IDFC FIRST Bank
IDFC FIRST is a disruptor with zero annual or joining fees and UPI-linked credit cards. Its highly transparent, fee-free model appeals strongly to younger and value-conscious users.